IMPORTANT CONSUMER DISCLOSURES
Last Updated: September 16, 2026
Freshly Debt Free believes consumers should understand their options before making decisions about debt.
Please review the following information carefully.
WHAT FRESHLY DEBT FREE DOES
Freshly Debt Free is an educational and lead/referral platform designed to help consumers learn about potential approaches to managing debt and, when requested, connect with independent third-party providers.
Unless expressly stated otherwise, Freshly Debt Free does not itself negotiate, settle, modify, or restructure debts with your creditors.
Freshly Debt Free is not a lender, creditor, bank, law firm, bankruptcy attorney, credit repair organization, or credit counseling agency.
WE DISCUSS MULTIPLE OPTIONS
FreshlyDebtFree.com may provide general educational information concerning options such as:
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Debt resolution or debt settlement;
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Debt consolidation loans;
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Credit counseling or debt management;
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Bankruptcy;
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Home equity-related options; and
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Other approaches to managing debt.
No single solution is appropriate for every consumer.
The inclusion, placement, or description of an option on this Website should not be interpreted as individualized financial or legal advice or a guarantee that you qualify for that option.
THIRD-PARTY PROVIDERS
If you request additional information, Freshly Debt Free may connect you with an independent third-party provider based on information you voluntarily provide.
Third-party providers operate independently from Freshly Debt Free and establish their own:
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Eligibility requirements;
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Program terms;
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Fees;
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Services;
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Timelines;
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Consumer agreements;
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Privacy practices; and
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Compliance procedures.
You should carefully review a provider's disclosures and agreement before enrolling in any service.
FRESHLY DEBT FREE MAY RECEIVE COMPENSATION
Freshly Debt Free may receive compensation from third-party providers for advertising, referrals, leads, introductions, or other marketing services.
This compensation may influence which providers are available through the Website or to whom a consumer inquiry is referred.
Consumers are not charged by Freshly Debt Free merely for submitting a qualification form unless clearly disclosed otherwise.
NO GUARANTEED RESULTS
Submitting information through Freshly Debt Free does not guarantee:
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Acceptance into a debt-relief program;
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Approval for a loan;
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A reduction in debt;
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A particular settlement percentage;
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A particular monthly payment;
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A particular interest rate;
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Improvement in your credit;
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Prevention of collection activity;
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Prevention of lawsuits by creditors; or
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Becoming debt-free within a specific period.
Results vary substantially based on individual circumstances.
IMPORTANT INFORMATION ABOUT DEBT SETTLEMENT AND DEBT RESOLUTION
Debt settlement or debt resolution generally involves attempting to negotiate with creditors to accept less than the full amount owed.
Creditors are not required to negotiate or accept settlement offers.
Depending on the program, consumers may stop making payments directly to creditors while accumulating funds that may later be used for settlements.
During that period:
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Account balances may continue to increase because of interest or fees;
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Creditors or debt collectors may continue collection activity;
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Credit scores or credit histories may be negatively affected;
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Creditors may pursue legal remedies; and
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Participation does not guarantee that every enrolled debt will be settled.
Consumers considering debt settlement should review the provider's complete disclosures concerning fees, expected timelines, required savings, risks, and program requirements before enrolling.
NO UPFRONT DEBT-RELIEF FEE REPRESENTATION
Freshly Debt Free does not represent that a consumer should pay prohibited advance fees for debt settlement services.
Providers subject to applicable federal rules have restrictions on when fees for debt-relief services may be charged.
Review the provider's agreement and disclosures carefully before making payments.
CREDIT IMPACT
Some debt-relief strategies may negatively affect your credit.
The effect depends on factors including your existing payment history, account status, creditor reporting, the particular strategy selected, and other circumstances.
Freshly Debt Free does not guarantee any particular effect on a consumer's credit score or credit profile.
TAX CONSEQUENCES
Canceled or forgiven debt may be considered taxable income in certain circumstances.
Freshly Debt Free does not provide tax advice. Consumers should consult an appropriate tax professional regarding their individual circumstances.
BANKRUPTCY INFORMATION
Bankruptcy is a legal process and may have substantial long-term consequences.
Freshly Debt Free does not provide bankruptcy legal advice.
Consumers considering bankruptcy should consider consulting a qualified bankruptcy attorney regarding their circumstances.
LOAN AND HOME EQUITY INFORMATION
Discussion of consolidation loans, personal loans, home equity products, or other credit products does not constitute an offer of credit.
Approval, interest rates, repayment terms, fees, and availability depend on the lender, consumer qualifications, creditworthiness, income, collateral where applicable, and other factors.
Using a home as collateral may place the home at risk if required payments are not made.
CREDIT COUNSELING
Credit counseling and debt management plans differ from debt settlement.
Consumers should independently evaluate the organization providing the service, its fees, program requirements, creditor relationships, and potential effect on their financial circumstances.
INFORMATIONAL PURPOSES ONLY
Content on FreshlyDebtFree.com is provided for general educational purposes.
It should not substitute for individualized advice from an attorney, accountant, tax professional, licensed financial professional, credit counselor, or other qualified professional when such advice is appropriate.
QUESTIONS
Questions concerning Freshly Debt Free or these disclosures may be directed to:
Freshly Debt Free
info@freshlydebtfree.com